How Does SSDI Work?

SSDI is designed to provide financial support to individuals who are unable to work because of a long-term disability. To qualify for SSDI, you must meet certain requirements:

• Work History: You must have worked a certain number of years and paid Social Security taxes during your employment. The number of years depends on your age at the time you become disabled.
• Disability: You must have a condition that meets the SSA’s definition of a disability, meaning it must prevent you from doing any substantial work and be expected to last at least 12 months or result in death.
• Work Credits: The SSA uses a system of work credits to determine your eligibility. Typically, you need to have earned 40 work credits, 20 of which must have been earned in the last 10 years. Younger workers may qualify with fewer credits.

Eligibility Requirements for SSDI

To qualify for SSDI, you must meet the following criteria:

• You must be unable to work because of a medical condition that is expected to last at least 12 months or result in death.
• You must have earned enough work credits through your employment history. Generally, you need 40 credits, 20 of which must have been earned in the last 10 years.
• You must be under full retirement age when you apply. SSDI is designed for individuals who are disabled and not yet eligible for retirement benefits.

How Much Will You Receive from SSDI?

The amount you receive from SSDI depends on your average lifetime earnings before you became disabled. The SSA calculates your monthly benefit using a formula based on your work history and average earnings. The more you have paid into the Social Security system, the higher your benefit amount will be.

You can estimate your benefit amount using the SSA’s online calculator or by reviewing your Social Security statement.

What Conditions Qualify for SSDI?

There are numerous conditions that may qualify for SSDI, ranging from physical disabilities to mental health conditions. Some common qualifying conditions include:

• Cancer
• Heart disease
• Chronic respiratory conditions
• Severe back and spine conditions
• Mental health disorders (such as depression or anxiety)
• Neurological disorders (like Parkinson’s disease or multiple sclerosis)

The SSA maintains a Listing of Impairments, which outlines specific conditions that qualify for benefits. However, you may still qualify if your condition is not on the list, as long as it meets the SSA’s definition of disability.

How to Apply for SSDI

To apply for SSDI, you can:

• Apply online: The easiest and fastest way is to apply through the SSA’s online portal at www.ssa.gov.
• Apply by phone: You can also apply by calling the SSA at 1-800-772-1213.
• Apply in person: You can visit your local Social Security office and submit your application in person. It’s best to schedule an appointment in advance.

Make sure you gather all necessary documents, including medical records, your work history, and financial information  before applying.

What Happens After You Apply for SSDI?

After submitting your application, the SSA will review your case, including your medical records and work history. This process can take several months. If your application is approved, you will begin receiving monthly SSDI benefits. If your claim is denied, you have the right to appeal the decision.

How to Improve Your Chances of Getting SSDI

To improve your chances of approval, make sure your application is complete and accurate. Here are some tips:

• Provide detailed medical documentation: Ensure your doctors provide detailed records about your condition and how it affects your ability to work.
• Be thorough: Be honest and detailed in your application about your work history, medical condition, and daily limitations.
• Consider legal help: A disability attorney can guide you through the application and appeals process, improving your chances of success.